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With all due respect, a 7 year bull market where there hasn't been nary a pullback of any magnitude has many credit unions believing that markets don't do anything but go up. A 40% allocation to stocks would have crippled a credit union back in 2008 and early 2009, and the new FASB rules where price changes of mutual funds and ETFs will now flow through net income are a ticking time bomb for many "low risk" pre-funding portfolios.